Virtual CFO and internal audit for SMEs
A virtual CFO from Estagrow reviews your numbers every month, flags cash and margin problems early, and puts controls in place so the business does not depend on one person. You get finance leadership without the cost of a full-time CFO.
Updated October 2026
What is included
- Monthly review of your accounts with the owner
- Budget and cash-flow planning
- Internal audit and review of controls
- Approval and spending controls
- Reports for banks, partners and investors
Who it suits
Businesses that have outgrown basic bookkeeping but do not need a full-time finance head, such as multi-branch operations, hospitals and clinics, manufacturers and trading firms.
Related services
Common questions
What is a virtual CFO?
A virtual CFO is an outsourced finance leader. Instead of hiring a full-time CFO, you get regular review of your numbers, planning and controls from an experienced team for a monthly fee.
How is internal audit different from statutory audit?
A statutory audit is a legal requirement that gives an opinion on your financial statements. An internal audit reviews your processes and controls for management, to find leaks and risks during the year.
How often will we meet?
A monthly review is standard. The frequency is written into the scope you approve.
Can I start with an internal audit only?
Yes. Many clients start with a one-time internal audit and move to a monthly virtual CFO arrangement after seeing the findings.
When does a business need a virtual CFO?
When the owner needs reliable monthly numbers, cash planning and controls, but a full-time CFO costs too much. Common triggers are several branches, growing loans, or plans to raise funds.
How is a virtual CFO different from an accountant?
An accountant records transactions and files returns. A virtual CFO uses those numbers to advise on cash, margins, budgets and controls. We provide both from one team when you need them.
What reports will I get?
A monthly management report covering profit and loss, cash position, receivables and payables, and budget against actual. The format is agreed in the scope you approve.
Start with a free review
Send your details and we reply on WhatsApp with what we find.